I like to answer questions about credit cards, because I have basically applied for all credit cards from domestic banks in China.

Haha.

The following are the answers.

1. The four major commercial banks: Bank of China is very average, with low quotas and few points. The activities are all about buying thousands for free in a certain shopping mall, which has no practical significance. Online banking is inconvenient. Repayment is convenient.

China Construction Bank has a lower limit, but it is easier to apply for a gold card. Others are the same as above.

There is no need to apply for Agricultural Bank of China. I applied for it for several months, but none of the branches submitted the form. It is a bank that does not pay much attention to the credit card business.

Industrial and Commercial Bank of China is worth applying for. The limit is high and the limits are superimposed. For example, if you apply for a card with a limit of 10,000, and then apply for another one with a limit of 10,000, then your The limit is 20,000. This is the only bank in China that offers overlapping credit limits. In addition, online banking is great and you can directly top up 5k at a time. Repayment is convenient.

P.S: I wonder if you are from Beijing? If so, do it now and you’ll get a free shield.

2. Banks with good credit card development: China Merchants Bank is the first to recommend. It has a high limit and is easy to apply for a gold card. The most important thing is that the points activity is very good and other activities are often launched. In addition, online banking is very convenient and easy to use. Repayment is quite convenient.

Secondly, China Guangfa Bank has the same reason as above, but there are fewer activities, so you need to pay attention to the website. Repayment is quite convenient.

3. Excellent small banks: I have to say CITIC Bank. I don’t know how it is in other regions. Beijing often launches 9 yuan movie-watching activities (you can spend 6 times). All the movies I have watched in the past 2 years are It’s 9 yuan (original price ranges from 70-110), and there are many other activities, so it’s worth checking out. However, the credit limit is average, repayment is inconvenient (it’s better if you have a card), and online banking is not convenient either. But the cards are all beautiful. It is important not to apply for a CITIC Express card, as this does not waive the annual fee. PA18315983811

China Everbright Bank has a high quota, and you can apply for a quota adjustment in half a year, usually doubled. The best thing is that it is a great way to give out points, often times the points, and online transactions also count as points, making it the only one in China. Repayment is inconvenient, online banking is quite convenient, but it’s not very comfortable for a one-time payment of 300 yuan.

4. Other banks: Bank of Communications, online banking is convenient and repayment is convenient, but there are no other advantages.

There are occasional activities for people's livelihood (milk delivery and the like), but there are no other advantages. With local household registration, the credit limit is high.

Shenzhen Development Bank has no advantages, so I canceled my card.

Xingye has no other advantages in dealing with platinum card transactions.

China has no advantages.

Bank of Beijing, platinum card is easy to apply for.